SPAIN

Maximum Loan to Value 85%

25 year term up to max age 80

Minimum loan amount 75000 euros

Rates from 1.9%

Variable, interest only and capped

FRANCE

Standard Variable Rate (SVR)

The SVR is the lenders standard rate. With a variable rate mortgage you are normally able to switch lenders at any time without being penalised. If you take out a mortgage that has a fixed, tracker or discounted rate once the set period of time ends the loan will usually revert to the Lenders SVR.

Discount Rate

The discount mortgage rate is a variation of the standard variable rate. It provides a discount from the lenders SVR for a set period of time. The variable interest rate still fluctuates, meaning your monthly repayments may differ slightly from month to month, but the discount remains constant.

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Discount mortgages often have early repayment charges so you need to be sure this is suitable for you for the foreseeable future. Furthermore, the lender may also charge a ‘booking/arrangement fee’ to apply for these types of mortgage. You should ask your adviser to explain these in more detail, or ask for an illustration.

Tracker

A tracker mortgage usually tracks any movement in an index specified by the lender, this for example could be the Bank of England Base Rate for a set period, and so you will benefit from any falls in interest rates, but will also have to pay more each month should the rate increase.

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Tracker mortgages often have early repayment charges so you need to be sure this is suitable for you for the foreseeable future. Furthermore, the lender may also charge a ‘booking/arrangement fee’ to apply for these types of mortgage. You should ask your adviser to explain these in more detail, or ask for an illustration.

Fixed Interest Rate

A fixed rate mortgage allows you to repay interest at a fixed rate, irrespective of any interest rate fluctuations. In other words your monthly repayments will remain the same every month for a time period agreed between you and your lender.

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Fixed rate mortgages often have early repayment charges so you need to be sure this is suitable for you for the foreseeable future. Furthermore, the lender may also charge a ‘booking/arrangement fee’ to apply for these types of mortgage. You should ask your adviser to explain these in more detail, or ask for an illustration.

Buy To Let

Buy to let mortgages are taken out by landlords who purchase property to rent out. This mortgage allows you to invest in property such as houses or flats. Whilst not all buy to let mortgages are regulated by the FCA, we will act fairly and in your best interests.

Commercial Mortgages

A Commercial mortgage is a mortgage secured on a property that is not your residence. These mortgages typically take over where the business loans finish and typically have a minimum borrow of £50,000. Usually, the property which you are buying is the only security for the loan, however, should you not have the cash deposit required, extra security can be offered such as other property that you have equity in.

International Mortgages

Whether you have found your dream property or are still searching, we can help you to get a mortgage to buy a property abroad. County Financial have linked with an overseas mortgage specialist, who have English speaking and bilingual advisers to guide you through the process. This makes the whole process of getting a mortgage far less stressful, especially because the advisers work directly with international banks. Below are typical examples for mortgages in Spain and France.

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Please note that these products and the advisers are not authorised and regulated by the Financial Conduct Authority. Therefore the level of protection you receive will be lower and you will not have access to the Financial Services Compensation Scheme.

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These rates are correct as of October 2016.

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As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments

Mortgage Products

Pembrokeshire Mortgage Centre Ltd trading as County Financial Consultants is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number 479220. Registered in England & Wales, Company Number 4680558.